Advice re car crash please

notanewuser

spursfan323 wrote: »

Worse! I was going to make 2 trips with NO cover!

Doesn't your employer require you to be fully insured on any vehicle you claim mileage on?

arcon5

notanewuser wrote: »

Doesn't your employer require you to be fully insured on any vehicle you claim mileage on?

It's not really the employers problem whether ops insured or not - so long as it's not a company vehicle, then it doesn't really affect them.

I've worked for a v.large corporation in the past which required me to use my vehicle for about 50-150 miles per day and they didn't even want to see an insurance certificate.

arcon5

For what it's worth op, although technically it's likely to be you at fault - I think he has grossly contributed to this, would say 20/80 in your favour, if you was blocking his half of the road completely. This is a common move on many many junctions and it doesn't take much common sense to know what's happening.

notanewuser

arcon5 wrote: »

It's not really the employers problem whether ops insured or not - so long as it's not a company vehicle, then it doesn't really affect them.

I've worked for a v.large corporation in the past which required me to use my vehicle for about 50-150 miles per day and they didn't even want to see an insurance certificate.

Since the corporate manslaughter legislation made directors personally liable most have upped their interest in the paperwork (in my experience).

MentalMinnie

We had a near identical accident 3 or 4 years ago. My husband was driving at the time. We were pulling out of a side road to turn right, on to a main road, the car coming from the right had acknowledged us and stopped to let us out, as we edged forward the hubby couldn't see any oncoming cars from the left so pulled out, but I glanced up to see a BMW roadster flying up the road towards us, and hit us, on my side of the van. As I was looking straight at him, I could see that he wasn't looking ahead, rather, it appeared that he was looking down (mobile phone, maybe) He didn't even slow down before he hit us.

My husband was blamed by the insurers, as her was pulling into the main road. Didn't seem to make a difference that the bloke seemed to be speeding, and that he wasn't looking at the road. He claimed THOUSANDS in compo as well, for supposed injuries.

notanewuser

MentalMinnie wrote: »

We had a near identical accident 3 or 4 years ago. My husband was driving at the time. We were pulling out of a side road to turn right, on to a main road, the car coming from the right had acknowledged us and stopped to let us out, as we edged forward the hubby couldn't see any oncoming cars from the left so pulled out, but I glanced up to see a BMW roadster flying up the road towards us, and hit us, on my side of the van. As I was looking straight at him, I could see that he wasn't looking ahead, rather, it appeared that he was looking down (mobile phone, maybe) He didn't even slow down before he hit us.

My husband was blamed by the insurers, as her was pulling into the main road. Didn't seem to make a difference that the bloke seemed to be speeding, and that he wasn't looking at the road. He claimed THOUSANDS in compo as well, for supposed injuries.

Your husband should not have pulled out from the side street unless he knew he was clear to go. Vehicles on the main road you were joining so not have to let you out or stop for you. Your husband was in the wrong 100%.

If the view to the left was unclear he should have turned left (when safe to do so) and then turned around further down the road when he was certain of the road conditions!!!

photome

MentalMinnie wrote: »

We had a near identical accident 3 or 4 years ago. My husband was driving at the time. We were pulling out of a side road to turn right, on to a main road, the car coming from the right had acknowledged us and stopped to let us out, as we edged forward the hubby couldn't see any oncoming cars from the left so pulled out, but I glanced up to see a BMW roadster flying up the road towards us, and hit us, on my side of the van. As I was looking straight at him, I could see that he wasn't looking ahead, rather, it appeared that he was looking down (mobile phone, maybe) He didn't even slow down before he hit us.

My husband was blamed by the insurers, as her was pulling into the main road. Didn't seem to make a difference that the bloke seemed to be speeding, and that he wasn't looking at the road. He claimed THOUSANDS in compo as well, for supposed injuries.

But its not identical, the car was coming from a different direction in your accident and your hubby pulled out in to a moving lane of traffic and hoped for the best (he obviously couldnt see). He should have waited

Aretnap

spursfan323 wrote: »

I had a look at my insurance policy (don't have a hard copy, it's stored as a PDF online) and to my horror discovered that I'm not actually covered to drive other cars. (I'd always had this with previous insurers so, stupidly, assumed it was included.)

...And there was me planning two work trips up the M1 this week in my mum's car. Phew.

If you get a driving other vehicles extension and plan to use it to make work trips, make sure you check whether it covers business use. My hunch is that it won't, but I'm willing to be proved wrong.

Sgt_Pepper_2

notanewuser wrote: »

Since the corporate manslaughter legislation made directors personally liable most have upped their interest in the paperwork (in my experience).

Corporate manslaughter takes no account of whether the vehicle is insured or not.

Seanymph

And surely driving someone else's car on only third party is fairly reckless anyway - what if you were involved in an accident and your mum ended up with no car?